While these changes may challenge investors who wish to stay in their current home and purchase an investment property, there has now never been a better time for an owner occupier to build a new home in NZ.

Jennian and our Finance Partners remain committed to assisting owner occupiers into new homes for as little as 5% deposit.

Existing housing stocks now require 20% equity across the entirety of NZ and now not just limited to Auckland. Investor purchases will move to 40% equity.

It is critical that additional housing stock be provided in NZ.

Current net migration data to the end of May 2016 is now 68,000 per annum which is a growth of at least 10,000 over the past year.

Currently the level of New Housing being provided into the NZ market saw a little over 28,000 residential consents issued to the end of May 2016.

Given current inflationary pressure most financial commentators and now picking an almost certainty of a further Official Cash Rate (OCR) cut before the end of 2016. These record lows are likely to remain in place for some time.

The now revised LVR conditions will in a small way assist to the correct the ongoing undersupply of housing stock in NZ.

While the complexity of the data may be scary and at best hard to understand, there has never been a better time than now to explore a new home over existing stock.